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Monday, 17 February 2014
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Vehicle Donation Program

You can help change a life by donating your used vehicle to Teen Challenge. Every car, truck or mini-van we receive helps to fund the life-changing program that sees young people get off the streets and off drugs — permanently!
Donating your used vehicle to Teen Challenge is easy! A national toll free number and a simple online form mean it’s easier than ever to donate a car to Teen Challenge.
Teen Challenge London Donate A Car

3 Easy Steps

  1. Fill out our simple online form or call us toll free at 1.877.684.4777 or in Alberta at 1.800.856.8902.
    *Please have an accurate 6 digit odometer reading and your 'Vehicle Identification # (VIN) before starting the donation process.
  2. We’ll send you a vehicle donation kit. Please complete and return to us
  3. Drop off your donated vehicle at one of our convenient drop-off locations. If required, you can arrange for us to pick up your donated vehicle. Just call us.
* Note: VIN # is a 17 digit number on your ownership.

The Benefits To You

  • Easy and convenient. You can drop off your donated vehicle at one of our drop-off locations or we’ll be pleased to arrange pick up at your door.
  • Fair market value tax receipt for your donated vehicle that often exceeds the vehicle’s trade-in value for your next tax return!
  • The satisfaction of knowing you’re helping to change lives through the work of Teen Challenge across Canada.

Drop-off Locations

For other drop-off location across Canada, click here

Equipment Donations

Have a boat, RV, trailer, motorcycle, or other vehicle of piece of equipment to donate?
Please call us at 1.877.684.4777 or in Alberta at 1.800.856.8902.

Purchase A Used Car

If you live in Southwestern Ontario, Teen Challenge has a variety of used cars and trucks for sale at good prices. For a list of current vehicles for sale, please visit www.teenchallengecars.ca.
Thank you!
When you donate your car, truck or mini-van to Teen Challenge, the proceeds from your used vehicle help keep our doors open to help more young people trapped in addiction find a new start in life again.
Thank you on behalf of the young women (and older ones too) in our care.
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Donate a Car to the Charity of Your Choice

Auto removal - Turn your used cars into CHARITY CARS

  • Are you looking for a quick and easy way to recycle or dispose of a scrap, used or junk car?
  • Do you have a newer vehicle to donate that would increase your tax deductible giving?
  • Would you like us to pick up your used cars for free? We provide free car removal towing service.
  • You can make a difference by donating your vehicle to the charity of your choice!
  • Let the memory live on by donating an estate vehicle.
  • Remain environmentally friendly by recycling your used cars, while contributing to the well being of others.
 

Donate Your Used Cars. It's Easy!

  • Submit your vehicle information here.
  • Donate a Car Canada will arrange to have your vehicle picked up at no cost to you.
  • We will look after all the details to sell or recycle your used cars.
  • We will send a cheque to the charity of your choice, and they will send you a tax deductible receipt.
 

Opening the Doors to Charities Nationwide

Donate a Car Canada makes it easy for ANY Canadian Charity to benefit from vehicle donations nationwide. Most charities are not set up to directly receive vehicles as a form of donation. The process is too complicated, time consuming, and costly for them, thus making it a difficult or impossible form of fundraising.
This simple process makes it possible for more charities to benefit from the generosity of donors like you. We expertly handle all aspects of processing your used cars; send the net sale proceeds to the charity, and then the charity mails you the tax receipt.
 

Giving You the Power of Choice!

Supporting charitable organizations is a valued and respected part of our Canadian society. As we realize that people are drawn closer to certain charities and causes, Donate a Car Canada gives you the power of choice in making your generous donation. With many charities to choose from, you can feel satisfied in knowing that you are contributing to the charity that is closest to your heart.
 

We do MORE than Recycle Your Ride!

While we recycle vehicles in an environmentally friendly manner, we are not just auto recyclers. If you have a newer or estate vehicle that you would like to donate, we have selling agents across the country that are ready to assist in maximizing your donation.
Donate a Car Canada accepts all types of vehicles for donation. Donate your Car, Truck, Van, SUV, Motorcycle, Boat or RV.
Saturday, 15 February 2014
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4 Types of Health Plans: How They Compare


You have choices when you shop for health insurance. If you're buying from your state's Marketplace, the first way you'll see health plans organized is by their level of care: bronze, silver, gold, and platinum. Bronze plans have the least coverage and platinum plans have the most.
Next, you'll see insurance brands associated with the care levels. Some large national brands include Aetna, Blue Cross Blue Shield, Cigna, Humana, Kaiser, and United. If you're buying insurance from your employer, the brand name might be the first category you see.
Each insurance brand may offer one or more of these four common types of plans:
  • Health maintenance organizations (HMOs)
  • Preferred provider organizations (PPOs)
  • Point-of-service (POS) plans
  • High-deductible health plans (HDHPs) linked to health savings accounts (HSAs)
Take a minute to learn how these plans differ. Being familiar with the plan types can help you pick one to fit your budget and meet your health care needs. To learn the specifics about a brand's particular health plan, look at its summary of benefits.

Health Maintenance Organization (HMO)

An HMO delivers health services through a network. With an HMO, you may have:
  • The least freedom to choose your health care providers
  • Predictable out-of-pocket costs
  • The least amount of paperwork compared to other plans.
  • More preventive care in your benefits package
  • A primary care physician to manage your care and refer you to specialists when you need one so the care is covered by the health plan
What doctors you can see. Any in your HMO's network. If you see a doctor who's not in the network, you'll have to pay the bill yourself -- unless it's a true emergency.
What you pay.
  • Premium
  • No deductible
  • Copays for each type of care
Paperwork involved. No claim forms. You won't get bills for care that is covered.

Preferred Provider Organization (PPO)

With a PPO, you may have:
  • A moderate amount of freedom to choose your health care providers -- more than an HMO
  • Higher out-of-pocket costs than an HMO
  • More paperwork than other plans if you see out-of-network providers
  • The ability to manage your own health care
What doctors you can see. Any in the PPO's network. You can see out-of-network doctors, but you'll pay more.
What you pay.
  • Premium -- Your monthly payments are based on the negotiated rates PPOs have with their network providers.
  • Deductible -- Some PPOs may have a deductible. You may have to pay a higher deductible if you see an out-of-network doctor.
  • Copay or coinsurance -- A copay is a flat fee, such as $15, you pay when you get care. Coinsurance is when you pay a percent of the charges for care, such as 30%.  
  • Other costs -- If your doctor charges more than others in the area do, you may have to pay the balance after your insurance pays its share.
Paperwork involved. There's little to no paperwork with a PPO if you see an in-network doctor. If you use an out-of-network provider, you'll have to pay the provider. Then you have to file a claim to get the PPO plan to pay you back.
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6 Ways to Get a Discount on Car Insurance

Discounts. Discounts. Discounts. Insurance companies are always touting how great their discounts are trying to get your attention. If you are looking for the absolute lowest rate, you need to make sure you have the very best discounts. All car insurance companies offer discounts, but what discounts are the very best? The actual percentage of each discount may vary between insurance carriers; however, these remain the 6 best car insurance discountsamong most carriers.
  1. Multi Policy Discount is probably the single biggest discount available on a car insurance policy. Car and home insurance packaged together is exactly the type of business many insurance carriers are looking for and they will work hard to get it. Some offer a discount as high as 20 percent. It is rare for someone to obtain cheaper insurance by separating their car and home insurance through different carriers. If you own a home, always try to find an insurance carrier that packages your car and home policies together.
  2. Multi Car Discount is also a major player in car insurance discounts. Your overall rate is typically higher when you own two vehicles verse one, but per vehicle you are paying a cheaper rate compared to insuring the vehicles individually. For example, if you own two vehicles and are paying $400 for one and $400 for the other, your rate could go up to $490 on one if you sell the other.
  3. Financial Stability Discount is finding its way onto more and more car insurance policies. The difference between the top score and the bottom score can mean a difference of hundreds of dollars each year. Insurance companies have done extensive studieswhich prove a direct correlation between low insurance credit scores and high claim activity. Therefore, insurance companies reward good insurance credit scores with a financial stability discount in hopes of low claim activity.
  4. Good Driver Discount usually applies to drivers that have not had an accident or ticket in the past three to five years. A couple of reasons exist for why this discount is so sizeable. It is almost a combination discount because someone with a speeding ticket not only doesn't qualify for the good driver discount, but they are also surcharged for the ticket. Also, the good driver discount is usually applied per driver. So every driver in the household could potentially receive this discount greatly helping to reduce the overall expense of car insurance.
  5. Good Student Discount as its name portrays, only applies to students getting good grades. Usually a 3.0 grade point average or better is accepted. Also, the normal requirement for college students is 12 credit hours or more to qualify. Young drivers often pay higher rates and insurance companies reward good students with a discount. The theory stands that if a student spends a lot of time home studying then less time is spent getting into trouble behind the steering wheel.
  6. Homeowner Discount on a car insurance policy may be surprising to some. Insurance carriers often offer this discount to clients who own a home regardless if the home is insured with the same company. Insurance companies reward homeowners because they often have more stability than a renter. A homeowner can double dip with this discount by combining it with the multi policy discount; thereby, receiving two top discounts in one swoop.
Use these discounts to your advantage whenever it is possible. Review your car insurance policy to verify qualifying discounts are listed. Remember to bundle your car and home insurance together to receive the multi policy discount. Keep your credit score and driving record in check. If you are not happy with your current insurance rates, some things are in your control to help improve your rate.
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Best Ways to Make Your Car Insurance Payment

Paying for car insurance can be a stressor for many people. Insurance companies try to help by offering lots of different payment methods and payment plans. Some are certainly better than others. Learn about the options available to you to determine which one is best for you.

Payment Methods Listed Best to Worst

  1. Paid in Full
    Paying in full is the best option for a couple of reasons. Many insurance companies offer paid in full discounts, plus you can also save on monthly fees. Having your policy paid in full takes one bill off of your monthly list. It ensures you will not encounter a lapse in coverage.

  2. EFT
    Electronic funds transfer is when the insurance company directly taps into your checking account, savings account, or credit card to withdraw yourmonthly payment. Often you avoid payments fees and possibly even get a discount for signing up for this payment method. Using your checking or savings account is a good option because you can set it and forget it, while with a credit card you will have to update your expiration date. Credit cards are nice because then your insurance payments can help you build up reward points on your credit card. Some companies do not offer payment by credit card as an option for EFT. Electronic funds transfer is the closest option to paying in full.

  3. Monthly Electronic, Credit, or Cash
    Paying monthly is a common preference for many people. Monthly payment options include electronic check, credit card, or cash. Electronic check can be used as a onetime withdraw from your checking or savings account. Both electronic check and credit can be used to pay online, with your agent, or by calling your insurance carriers customer service number. Cash can be used to pay at most agencies. Just don't use your agency as a bank, it annoys insurance agents when they constantly have to break large bills.

Common Car Insurance Payment Plans

  • Annual
    Some insurance companies still offer annual insurance policies, but they are becoming rare. If you are a preferred driver risk, an annual policy is often the best policy. Being locked into an annual policy means your rates will not change for an entire year for any reason other than a change in vehicles. Paying in full means you will not have to think about your insurance payments for an entire year.

  • Semi-annual
    Paying in full on a semi-annual policy is also a good option. A semi-annual payment plan refers to a payment every six months. Annual policies can be paid semi-annually, however if you have a semi-annual policy your rates are up for change every six months.

  • Quarterly
    Paying every three months can help you avoid some payment fees, which makes it a worthwhile option.

  • Monthly
    Monthly payments are a nice option if you are tight on cash. Paying late is the biggest factor which can make this option a bad one. Pay on time and if at all possible opt for the electronic funds transfer.

  • Two Months Down with a 5 Pay Plan
    Two months down with a 5 pay plan is a common option when purchasing a new car insurance policy. Essentially, you get one month without a payment because you paid it at startup. Sometimes the month without a payment comes immediately after the policy is started, however, most of the time the month without a payment comes at the end of the policy term.
Selecting both the right payment method and payment plan is important when setting up your insurance policy. Changing your selection can be done at anytime. Most insurance companies allow you to pay extra at anytime usually slowing or reducing your payments. Take your car insurance seriously and prioritize it properly in your monthly budget.
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